A1 Take-home pay
From gross to what actually lands.
“So what will I actually get paid?” is the first question anyone asks about a salary. William built this so the answer is a tidy reconciliation rather than a guess on the back of an envelope: type your pay and watch the Income Tax, National Insurance, pension, and student loan come off it, line by line.
| Item | Year | Month | Week |
|---|---|---|---|
| Take-home | — | — | — |
Show the Income Tax workings
| Band | Rate | Taxed | Tax |
|---|
An estimate, not financial advice. It works on a whole-year basis for an employee with the standard tax code (1257L), National Insurance category A, and no other income or benefits. Real payslips are worked out pay period by pay period, so they can differ by a little. For your own situation, check GOV.UK or a qualified adviser.
Figures used (2026/27)
Tax year 6 April 2026 to 5 April 2027. Checked against GOV.UK: Income Tax rates and allowances and Rates and thresholds for employers 2026 to 2027.
| Personal Allowance | £12,570 |
|---|---|
| Reduced by £1 for every £2 of income over | £100,000 |
| Gone completely at | £125,140 |
| Band | Taxable income | Rate |
|---|---|---|
| Basic rate | £0 to £37,700 | 20% |
| Higher rate | £37,701 to £125,140 | 40% |
| Additional rate | over £125,140 | 45% |
| Band | Taxable income | Rate |
|---|---|---|
| Starter rate | £0 to £3,967 | 19% |
| Basic rate | £3,968 to £16,956 | 20% |
| Intermediate rate | £16,957 to £31,092 | 21% |
| Higher rate | £31,093 to £62,430 | 42% |
| Advanced rate | £62,431 to £125,140 | 45% |
| Top rate | over £125,140 | 48% |
| Yearly earnings | Rate |
|---|---|
| Up to £12,570 (primary threshold) | 0% |
| £12,570 to £50,270 (upper earnings limit) | 8% |
| Over £50,270 | 2% |
| Plan | Yearly threshold | Rate above it |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate loan | £21,000 | 6% |
How the calculator works
- Pay periods. Monthly pay is multiplied by 12, weekly by 52, daily by days per week × 52, and hourly by hours per week × 52. Monthly and weekly results divide the yearly figures by 12 and 52, with each line rounded to the penny so every column adds up.
- Salary sacrifice. Your salary is reduced by the pension percentage before Income Tax, National Insurance, and student loans are worked out.
- Net pay arrangement. The pension comes off before Income Tax, but National Insurance and student loans are worked out on your full pay.
- Relief at source. Tax and National Insurance are on your full pay. You pay 80% of the contribution from your take-home and your pension provider claims the other 20% from HMRC. Higher and additional rate taxpayers can usually claim extra relief through Self Assessment, and these contributions also lower the income used for the £100,000 Personal Allowance taper. Both are claimed after the event, so neither is included here.
- Student loans. If you have more than one of Plans 1, 2, 4, and 5, you repay 9% of income over the lowest of your thresholds, not 9% for each plan. A postgraduate loan is repaid at 6% on top. Real deductions are worked out each payday and rounded down to whole pounds.
- Marginal rate. The share of your next £100 of gross pay that would go on Income Tax, National Insurance, and student loans.
- Not included. Other income, benefits in kind, the High Income Child Benefit Charge, the Marriage Allowance, being over State Pension age (when employee National Insurance stops), and tax codes other than 1257L.
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